Home Loans

No matter if you’re a first-time home buyer, looking to refinance, or want to make the most out of the equity in your current home, we have options to fit your needs! As you fill out the application and we work with you through the home loan process, we’ll ask for certain information to provide you the right financing options including borrower, property, and homeowners insurance information, income, assets, and liabilities.

Check Home Loan Rates

Home Loan Calculators


First Mortgage

Your home is often the biggest investment you will make. At TN Members 1st, we will work with you to achieve your dream of homeownership.

  • Max Loan-to-Value (LTV) Purchase: 97% (First time home buyer)
  • Max Loan-to-Value (LTV) Refinance: 97%

Click on the desired application link below to complete a First Mortgage or FHA/VA Application. A Signature Authorization form must also be completed and provided to the credit union.

Conventional Mortgage Application

VA Mortgage Application

FHA Mortgage Application

Signature Authorization Form


Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) allows you to borrow money against the equity you’ve built in your home. When you need funds for home improvement, college tuition, debt consolidation or a new vehicle, the low rates on our HELOC make it the smart way to borrow.

A HELOC with TN Members 1st offers:

  • Low interest rates
  • Low closing costs
  • 10-year term
  • Tax-deductible interest (consult a tax advisor)

Click on the link below to complete the HELOC Application. A Signature Authorization form must also be completed and provided to the credit union.

HELOC Application

Signature Authorization


General Application Checklist

It may be helpful to have the following items on hand as you complete your application:

  • Social security numbers for all borrowers
  • Address history for the past two years
  • Employment history – including name, address, and phone number – for the past two years
  • Income information for all borrowers
  • Price of the property you are buying OR if you’re refinancing, the year you purchased the property, its original cost, current loan balance, and payment amount
  • Address of the property you are planning to purchase
  • Bank and brokerage account information, including institution name and current balances
  • Information on any real estate currently owned
  • Information about your current debts

Additional information may be requested throughout the home loan process.


TN Members 1st FCU
NMLS#411049
Karen Gilbreath, VP of Lending
NMLS#173705